The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$22,801
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,510
−HK$721/mo
Today · 4.125%
HK$24,231
baseline
▲ 0.50% · 4.625%
HK$25,705
+HK$1,474/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,462/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,366
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,046
−HK$690/mo
Today · 4.125%
HK$26,736
baseline
▲ 0.50% · 4.625%
HK$28,146
+HK$1,410/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,472/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,361
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,212
−HK$865/mo
Today · 4.125%
HK$29,077
baseline
▲ 0.50% · 4.625%
HK$30,846
+HK$1,769/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,154/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,439
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,255
−HK$829/mo
Today · 4.125%
HK$32,084
baseline
▲ 0.50% · 4.625%
HK$33,775
+HK$1,691/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,168/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,921
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,914
−HK$1,009/mo
Today · 4.125%
HK$33,923
baseline
▲ 0.50% · 4.625%
HK$35,987
+HK$2,064/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,846/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,512
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,465
−HK$966/mo
Today · 4.125%
HK$37,431
baseline
▲ 0.50% · 4.625%
HK$39,404
+HK$1,973/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,862/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,042
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,318
−HK$1,297/mo
Today · 4.125%
HK$43,615
baseline
▲ 0.50% · 4.625%
HK$46,269
+HK$2,654/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$87,230/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,658
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,883
−HK$1,242/mo
Today · 4.125%
HK$48,125
baseline
▲ 0.50% · 4.625%
HK$50,662
+HK$2,537/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$96,250/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,930 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).